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These won’t save you much at once, but a couple of dollars here and a few cents there eventually add up.The trick is to take those hard-won pennies and put them away safely.So: in the comments, tell us your favorite Word and Excel tricks.And if you have a question about how to do something in either, feel free to post that too.

By reader request, we’re doing it again — and this time we’re including Word too.

Hold on tight, and breathe deep; it’s time to enjoy the ride. The advertisements on television that suggest you can repair bad credit “by calling this number.” It may be hard to believe, but you don’t have to call anyone to start repairing your bad credit all on your own. The first thing to do is to contact all three credit bureaus (Experian, Trans Union, and Equifax) and request copies of your full credit reports.

You can get all your reports, in full, for free, once every year by going here.

They’re counting on the fact that you really need the money (else why would you be there?

), so you may not want to take the time to read over everything in the documents.

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